so that may have something to do with the fiscal cliff. there's a bit of a slowdown there. the economy is moving along, not as robustly as they'd like it to be, which is why they extend this to make money cheaper. >> what does that mean for businesses in terms of confidence? >> the first gauge we get is to see how markets are doing. there's a bit of a rally on the stock market as a result. you can never trust what happens immediately after these announcements because it could be traders doing things. dow subpoena a quarter there. you can see 27 basis points right now. what it means is the same thing it meant until now. we have long-term low interest rates. it's cheap to borrow money in america. it's not necessarily easy it to borrow money. lending standards are still high, and many businesses as we have seen that either have cash or access to credit are not making decisions until they have some certainty about what government is going to do. we may get that certainty as soon as we get a fiscal cliff deal, maybe january or february by the time we know what will happen. that